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This individual Report The US Small Business Credit Card Market - Update, 2005 is available for purchase. This Report is available to members of Mercator Advisory Group’s Credit Advisory Service. Please be advised that this Report is normally part of a research and advisory service that provides ongoing support throughout the year. As such, this Report contains significant depth of content that is selected for its strategic importance to our members. (For a description of these services, see our Advisory Services section).

While the Report represents significant analyst time invested, there is no means of our ascertaining if it will fully meet your specific intended purposes. Typically, these Reports form the basis for future discussions with our clients where we are able to fine-tune additional information that we have gathered in the construction of the series of Reports (or locate new information rapidly due to our exclusive focus on gathering information in the payments industry) for specific member needs.

Unfortunately, in fairness to our paying members, we are not able to offer this level of support for a single Report purchase. We will, however, credit any Research Document purchase against the future purchase price of the service should you become a member within 30 days of purchasing the document.

The small business credit card market in the United States has grown enormously over the last five years, drawing the attention of nearly all of the major US Card Issuers. Major issuers like Citibank, JP Morgan Chase, Bank of America, and MBNA have joined traditional powers American Express, Capital One, Advanta and US Bank to create a competitive and vibrant segment marked by varying strategies and products and robust growth.

"Overall consumer concern over debt levels, an improving economy, and cheap and readily available home equity-backed debt have all conspired to slow the growth rate of consumer credit card loans. There are, however, some segments of the general-purpose card business that hold the promiseof growth," accordingto Brian O'Keeffe, Director of Mercator Advisory Group's Credit Service and principal analyst on the report. "The commercial card category has shown better growth than consumer cards in the last several years, and within that, the small business card segment hasbeen a notable bright spot."

In The US Small Business Credit Card Market - Update, 2005, Mercator Advisory Group expands on its 2004 report covering the small business segment. The report answers several key questions:

* How many potential small business customers are there?

* How much of their spending could potentially move to payment cards?

* What are the key differences between consumer cards, corporate cards, and small business cards; and how do these differences effect strategy and product design?

* What have been the most effective distribution channels for small business cards?

* Given the large number of consumer card conversions, are the 27% segment growth rate really as healthy as it seems?

One of 11 Exhibits included in this report

The report contains 27 pages and 11 exhibits.

Members of Mercator Advisory Group have access to these reports as well as the upcoming research for the year ahead, presentations, analyst access and other membership benefits. Please visit us online at www.mercatoradvisorygroup.com.